(Bloomberg) -- As the economy improves, more Americans are changing jobs. And that means more workers leaving behind 401(k) retirement plans.

Those stranded 401(k)s create a dilemma for workers. It can be almost impossible to know whether you’re better off leaving money in an old 401(k), rolling it into a new employer’s 401(k), or rolling it over into your own individual retirement account (IRA). The problem is that figuring out 401(k) fees — the key determining factor — requires diving into oceans of fine print. Fees come in dozens of configurations, from flat annual charges to asset-based ones, and it can be exceedingly difficult to deduce whether an employees is getting the best deal. 

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